@Mike Wood I wish I could get a construction loan from commercial bank, but what exactly is a commercial bank, everyone I have applied with has denied me.

So in virtually every case leverage can magnify the return from appreciation. 3) you latest example, seeing you did not deny it, was an owner occupied purchase and not purchased by an RE investor and therefore totally irrelevant to this thread. 

Quote from @Denis Ponder: Quote from @Nathan Frost: Quote from @Theresa Harris: Sit down and figure out how much each one actually costs you and if you have any large expenses coming up (eg new roof). 

If OP's current carrier denies the claim (that's where he needs a good, experienced roofer), then he will have issues switching over to a new carrier with that denied claim on record. 

Hi Michelle,Were you completely denied of the mortgage or were you just capped on a lower LTV?

She claims that to deny her this exception would be unlawful discrimination under the Fair Housing Act.

Hello, I know this can be a very touchy subject due to fair housing laws but I just bought a property and one of the tenants wants to move to another floor and use RAFT, now I know I cannot deny them housing due to RAFT alone but they are applying because they told me they cannot come up with first last and security, I know RAFT will cover that but I am wondering what downsides are there for instance can RAFT enforce rent control or is it even more difficult to evict people who have applied.

If the application is incomplete or the applicant doesn’t meet my criteria, or if I  can’t verify their employment and speak to their references, the applicant is denied. 

Or this is something landlord can deny to provide a tenant?

"Terminate on Sale" clauses are rarely allowed by the courts with residential leases.The good news is, many tenants don't know this.So, we always politely ask tenants to sign our lease, ask if they want to extend them and try to reasonably increase the rent.We don't recommend abusing this with strong-arm tactics.